The Platform
Six products. Three surfaces. One rail.
Every product on the CellPay platform runs through the same settlement engine, the same compliance surface, and the same reconciliation ledger. No stitching. No siloed integrations.
Three Surfaces
One rail —
every way in.
Retail POS
Purpose-built terminals and integrations with major retail POS systems. Sub-second transaction confirmation, offline resiliency, receipt printing.
Online (Agent-Assisted)
White-label web flows for merchant field teams. Sell the full CellPay product line remotely with the same compliance and settlement backbone.
Developer API
REST endpoints for every product on the platform. Sandbox, reference clients, and dedicated integration engineers. Days to production, not months.
Platform Capabilities
What running on CellPay gives you.
A single integration into CellPay unlocks a decade of regulated infrastructure: licenses, settlement pipes, fraud engines, and retail relationships that would take years to build from scratch.
- Single ledger, single reconciliation — every transaction across every surface settles through one system.
- Real-time KYC, transaction monitoring, and sanctions screening built into the rail — not bolted on.
- State money-transmission licenses covering every state we operate in — partners transact under CellPay's regulatory umbrella.
- Idempotent APIs, webhooks for every state transition, granular fee and split configuration.
- Enterprise-grade fraud modeling tuned specifically for the cash-first retail segment.